The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$30,803
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,761
−HK$974/mo
Today · 4.125%
HK$32,735
baseline
▲ 0.50% · 4.625%
HK$34,726
+HK$1,991/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$65,470/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,268
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,187
−HK$932/mo
Today · 4.125%
HK$36,119
baseline
▲ 0.50% · 4.625%
HK$38,023
+HK$1,904/mo
Deposit HK$6.75M · loan HK$6.75M · min. income ≈ HK$72,238/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,964
−HK$2,318/mo
▼ 0.25% · 3.875%
HK$38,113
−HK$1,169/mo
Today · 4.125%
HK$39,282
baseline
▲ 0.50% · 4.625%
HK$41,672
+HK$2,390/mo
Deposit HK$5.40M · loan HK$8.11M · min. income ≈ HK$78,564/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,122
−HK$2,221/mo
▼ 0.25% · 3.875%
HK$42,225
−HK$1,118/mo
Today · 4.125%
HK$43,343
baseline
▲ 0.50% · 4.625%
HK$45,628
+HK$2,285/mo
Deposit HK$5.40M · loan HK$8.11M · min. income ≈ HK$86,686/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,124
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,466
−HK$1,363/mo
Today · 4.125%
HK$45,829
baseline
▲ 0.50% · 4.625%
HK$48,617
+HK$2,788/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$91,658/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,975
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$49,262
−HK$1,305/mo
Today · 4.125%
HK$50,567
baseline
▲ 0.50% · 4.625%
HK$53,233
+HK$2,666/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$101,134/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,445
−HK$3,477/mo
▼ 0.25% · 3.875%
HK$57,170
−HK$1,752/mo
Today · 4.125%
HK$58,922
baseline
▲ 0.50% · 4.625%
HK$62,508
+HK$3,586/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,844/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,683
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$63,337
−HK$1,678/mo
Today · 4.125%
HK$65,015
baseline
▲ 0.50% · 4.625%
HK$68,442
+HK$3,427/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,030/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,572 · Scale 2, in force from 26 Feb 2026)